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What is the minimum car insurance requirement for Iowa?
What's the minimum amount of car insurance I need in Iowa? I've lived here all my life but I've never driven. My partner just went on disability and I want to help them out, so I got my license and am going to start driving their car.
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“That’s a lot of big life changes all at once, but I am glad you two are able to support each other. I hope you feel excited about the new skills and knowledge you’re gaining as a result!
Iowa
requires drivers to have minimum liability coverage of:- $20,000 per personbodily injury
- $40,000 per accident bodily injury
- $15,000 per accidentproperty damage
Here’s a fair warning for you: since you’ve never driven before, your insurance rates are going to be higher than other drivers. New drivers, regardless of age, have less experience on the road and tend to get into more accidents. To offset the higher cost of insuring new drivers, insurance companies will charge you more.
But don’t worry, there are ways to save. Many insurance companies will give you discounts if you:
- complete adriver training course
- use theirtelematics safe driver discount programs
One of the best ways to make sure you’re getting the best rate is to compare quotes online. If you’d like to leave the hard work of sifting through multiple companies to someone else, try using the
Jerry
app. Jerry gather quotes from the top providers and delivers the best deals to your phone in minutes for free.I hope you and your partner adjust to your new way of life with ease!”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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